Stay Safe on the Road

save on the road

Taking a few simple steps can reduce your risk of accidents and help your no claims bonus – which will lead to insurance savings.

Risks on the road

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  • It is illegal to use a hand-held mobile phone whilst driving. You could face a £60 fine and 3 penalty points. Research has shown that you are 4 times more likely to have a crash whilst using a mobile phone at the wheel. Get a hands-free kit or wait until you have safely parked the car and switched off the engine before using the phone
  • Satellite Navigation Systems aka ‘Sat Navs’ have the potential to ease congestion, reduce fuel consumption and improve road safety. but be sure to listen to instructions rather than look at the screen.
  • Consuming food and drink at the wheel doubles your risk of having a crash. Try to avoid this by planning breaks and stops along the way
  • Driver fatigue accounts for around one fifth of accidents on major roads, and is responsible for around 300 deaths per year. Make sure you are in a fit state to drive, both mentally and physically. Ensure you take at least a 15 minute break every 2 hours and if you need a rest, stop in a safe place

There are also steps you can take to improve your awareness on the road and sharpen your motoring skills with Pass Plus or the Institute of Advanced Motoring which has the added bonus of lowering your insurance premiums. The Highway Code is also available online, a handy resource for brushing up your road knowledge.

Maintenance of your vehicle

Maintaining your vehicle is crucial to road safety. It is your responsibility that you drive safely but also to ensure your vehicle is roadworthy, taxed and that you are adequately insured. Not doing so can have serious effects - you could injure yourself or someone else in an accident and you could be prosecuted for driving a vehicle in a dangerous condition. Your insurer is also likely to increase your premium because you present a higher risk.

Many garages now offer a combined MOT and service facility, which could be a cheaper option, so make sure you shop around for deals, and for a good quality garage.